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Property Type: TownhouseOwnership: Freehold
10 BIRMINGHAM Drive Unit# 129
Cambridge, ON N1R0C6
MLS® 40870379
$499,900
2 bed2.5 bath2 parking1,239 sqftBuilt 2023
Property Details
Property & Lot
- Sub-type
- Row / Townhouse
- Stories
- 3
- Frontage
- 21 feet
RM-3
Ownership & Fees
- Property type
- Townhouse
- Ownership
- Freehold
- Condo / maintenance fee
- $0/mo
- Annual property tax
- $4,612
Maintenance Fee Includes
Management
Also included: Parking
Interior
- Basement
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | 14'0'' x 20'1'' |
| Kitchen | Main level | 8'7'' x 11'11'' |
| Bedroom | Second level | 13'9'' x 9'11'' |
| Bedroom | Second level | 10'1'' x 9'9'' |
| 4pc Bathroom | Second level | 7'5'' x 8'5'' |
| Utility room | Lower level | 5'5'' x 4'11'' |
| Foyer | Lower level | 11'2'' x 4'4'' |
| 2pc Bathroom | Lower level | 5'4'' x 5'3'' |
Description
Welcome to 10 Birmingham Drive #129, Cambridge! This modern 2023-built three-story townhome offers low condo fees, open-concept living, and a private balcony — all in a location that makes commuting, shopping, and everyday errands effortless. With bright interiors, smart layout choices, and amenities close at hand, it’s a home designed for easy living. Check out our TOP 5 reasons why this home is the right fit for you. 5: LOCATION: You’re less than five minutes from Highway 401. Hespeler Road gives you Cambridge’s main shopping corridor, with the Smart Centre, major retailers, Cambridge Centre, transit, and fitness options all close by. It’s a location that keeps life convenient and commuting simple. 4: MAIN FLOOR: Enter through your private driveway and garage into a functional entry level complete with a powder room — a practical touch for busy mornings or guests. 3: PRIVATE BALCONY: The carpet-free main level opens onto a large private balcony. It’s an ideal spot for morning coffee, unwinding after work, or enjoying a quiet moment outdoors. 2: OPEN-CONCEPT LIVING: The kitchen, dining, and living areas feel bright and connected, with large windows and laminate flooring throughout. Granite countertops, stainless steel appliances, and an island with breakfast bar give the kitchen a clean, contemporary finish — perfect for cooking, hosting, or catching up. 1: BEDROOMS & BATHROOM: Upstairs you’ll find two bright bedrooms and a four-piece bathroom with a shower/tub combo. Laundry is conveniently located on this level too — a small detail that makes everyday life easier. From the private balcony to the commuter-friendly location, this home offers a lifestyle that’s hard to find — and even harder to pass up. Come take a look — you’ll understand the appeal the moment you’re inside. Some visuals in this video are AI-generated for illustrative purposes. (id:63161)
Listing Information
- MLS®
- 40870379
- Data last synced
- October 28, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: 40870379
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Cornerstone Association of REALTORS®.
Values & Trends
This listing
$403/sqft
Building average
—
No other active listings in this building
40 - Centennial average
$350/sqft
3 active listing(s)
Parking: 2 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
139,163
(2021 Census)
+6.6% since 2016
Density:
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,920.00
Periodic payment — Principal & Interest (monthly)$2,580.15
Additional monthly expenses (condo fees, tax, utilities, etc.)$446.33
Total monthly cost$3,026.48
Interest paid over 5-yr term$114,618.22
Balance at end of term$359,729.33
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,995
Stress test qualifying rate8.19%
Payment you must qualify for$3,682.29
Cash Needed at Closing
Minimum down payment$24,995
Estimated Land Transfer Tax (LTT)$6,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,968
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
